The consumer swipes the card through the card reader on the Nayax unit. Data is read from the card's magnetic stripe.

The magnetic stripe stores data on three tracks. Nayax reads from Track 2, which contains:

• ✅PAN (Personal Account Number)
• ✅Expiry date
• ✅4–19 additional characters
• ✅Service Code - may affect how the card is processed

Unlike chip-based transactions, the magnetic stripe is static - the data never changes. This makes swipe transactions more vulnerable to card skimming and data interception.

The consumer inserts the card into the card reader. The Nayax unit reads data from the card's embedded EMV chip.

Unlike a swipe, the EMV chip is an active participant in the transaction it communicates with the issuer and can approve or decline the transaction based on the transaction data and issuer responses. Data is exchanged between the card and the unit throughout the entire transaction, not just at the point of reading.

As an additional security measure, the consumer may be prompted to enter a 4-digit PIN code to verify their identity.

No physical contact is required between the consumer's payment method and the unit. The consumer taps their card or mobile payment app near the unit's reader. Designed for speed - the fastest of the three transaction types.

The unit communicates with the payment device using NFC (Near Field Communication) / Radio Frequency Induction (RFID) for proximity reading.

Contactless also supports mobile payment methods, including:

• ✅ Apple Pay
• ✅ Google Pay